The point of using a standardized transaction object is that you can than track/manage all such transactions using roughly the same logic. Consider: crediting a

The point of using a standardized transaction object is that you can than track/manage all such transactions using roughly the same logic. Consider: crediting an account is merely a negative transaction, so there is no point in creating extra overhead or code to manage crediting transactions separately. This would allow you, for example, to track and handle all transactions, including crediting transactions, using the same code base, with special transaction-type-specific issues dealt with by the transaction-type object.